Saving for the Holidays: 4 Easy Ideas to Help Fatten Up Your Piggy Bank by Tanya Kuzmanovic

Live beneath your means and you'll always be rich – this can be easier said than done. So, if you're having trouble saving, then try one of these simple, yet under-the-radar savings hacks:

• Freebies Galore: A quick online search will bring up a number of popular brand name companies that routinely offer a variety of free products to die-hard, as well as potential, customers.

• Bargain Requesting: Thinking of upgrading your credit card? Don't shy away from asking them to waive the annual fee for a year or two or haggle on the interest rate. Has your cable service been shaky? Or Internet been down more than up? Don't be afraid to ask for a discount.

• Ebates Rebates: Head to ebates.com or ebates.ca, sign up (all that is required is an email), then shop online as usual. The site will track your purchases and provide you with rebates directly to your pocket.

• Dinner Deals: Home-cooked meals are generally the thriftier way to go. But eating out doesn't have to cost a fortune either. A bit of research is all it takes to find local restaurants that offer a "kids eat free" night or a free meal or dessert for people celebrating their birthdays.
  

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